Terms of Use

Terms governing use of the Cashletics mobile application, subscriptions, points and liability rules.

Terms of Use

Cashletics mobile application — English version

Introduction and Acceptance of Terms

These Terms of Use ("Terms") govern the use of the Cashletics mobile application and related services. By downloading, registering, or using the application, the user accepts these Terms, the Privacy Policy (AT-001-EN), and all other applicable policies of the application.

Cashletics is an application supporting personal financial tracking, savings goal management, daily activity monitoring, and gamified motivation.

Cashletics is NOT a bank, financial institution, investment advisor, accountant, or tax advisor. The user is solely responsible for any decisions made based on data or reports generated by the application.

1. Service Provider Details

2. Definitions

3. Nature and Scope of the Service

Cashletics helps users track income and expenses, manage savings goals, monitor daily activity, and complete motivational challenges. The application expressly does NOT:

• access the user's bank account directly

• handle real money or initiate bank transactions

• provide financial, investment, tax, or credit advice

• act as an authentication tool for banking operations

Available features include: financial records, savings goals, step counting, gamification (challenges, points, leaderboard), notifications, statistics, and promotions. Individual features may vary by region, platform, or development stage.

4. Registration, Account Use, and Eligibility

An account is required to use the service. Registration is available via email and password, or a Google account. By registering, the user accepts these Terms and the Privacy Policy.

Account rules:

• The user is responsible for the security of their account and the confidentiality of their password.

• Accounts may not be transferred, sold, or lent to others.

• One account per user.

• The Service Provider may suspend or delete accounts created with false information or used abusively.

5. Free Version and Pro Subscription

5.1 Subscription terms

• Android subscriptions are managed by the Google Play Store.

• iOS App Store subscription is currently not available. The Terms will be updated before the iOS version is launched.

• Subscription prices: PRO monthly USD 3.99; USD yearly USD 29.99; Lifetime (limited to 500 units) EUR 99.99. Local prices are set by Google Play Console / App Store.

• Subscriptions auto-renew unless cancelled before the renewal date.

5.2 Cancellation

Cancellation is made exclusively through the Platform Provider's system. The Service Provider does not manage or refund subscription fees.

• Android: Google Play → Account → Subscriptions → Cashletics → Cancel

• iOS App Store subscription is currently not available; the iOS cancellation flow will be added before the iOS launch.

Cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable. Refund requests are assessed by the Platform Provider.

6. Age Restriction

The application is available exclusively to users aged 16 and over, for the following reasons:

• GDPR Article 8: processing personal data of persons under 16 requires parental / legal guardian consent.

• Google Play Families Policy: handling financial and health data automatically excludes a minor audience.

• The application conveys financial literacy content not suitable for users under 16.

During registration, the user declares they have reached the age of 16. In the event of a false declaration, the Service Provider is entitled to delete the account with immediate effect.

7. Banking Notification Reading

The application may optionally — and only with the user's explicit consent — read the text content of banking and payment notifications to assist in identifying expenses.

Key conditions:

• The application reads ONLY the notification text — it does NOT access the user's bank account, account number, balance, or PIN.

• This feature requires separate consent (BH-001 / Banking Notification Consent) and can be disabled at any time.

• Recognised transactions can be reviewed, modified, or deleted by the user.

• This feature is compliant with Google Play Financial Data policy.

8. Gamification System — Legal Status of Points

The application includes a gamified motivation system (XP, CP, coins, badges). Their legal status is expressly set out below:

Points and badges do not represent any financial obligation on the part of the Service Provider. The Service Provider reserves the right to modify the in-app point and reward mechanism; however, points already earned will not be reduced retroactively.

8.1 Daily Spin Wheel

The daily spin wheel is a gamified motivational feature. Users may spin once per day. Prizes: XP, CP, bonus points, badges. No cash prizes. Participation is free — no financial consideration is required. The spin wheel does not fall within the scope of Act XXXIV of 1991 (Hungarian Gaming Act). Full reasoning: PR-001 Promotional Rules.

9. Advertisements and AdMob

In the free version, advertisements may be displayed via the Google AdMob SDK. Pro subscribers use the application ad-free.

9.1 Rewarded ads and CP rewards

• For certain in-app actions (e.g. collecting a reward), the user may optionally watch a rewarded ad to earn additional CP.

• Viewing a rewarded ad is NOT mandatory — the base reward is available without watching an ad.

• Maximum CP earnable from ads: 1 rewarded ad = 1 CP | maximum 5 CP/day, 25 CP/week, 75 CP/month (backend limit, not adjustable by the user). After CP limit: 1 rewarded ad = 10 XP | maximum 50 XP/day, 250 XP/week, 750 XP/month. Extra lucky wheel spin: maximum 1/day from rewarded ads..

• CP is not money and cannot be redeemed for cash (see Section 8).

9.2 AdMob data processing

AdMob (Google LLC) operates as an independent data processor. Details: AT-001-EN and DPA-001.

10. Leaderboard and Publicly Shared Data

The application may include a leaderboard on which the user's username, avatar, and score may be publicly visible. Key conditions:

• Appearing on the leaderboard requires the user's explicit consent.

• Sensitive personal data (real name, email address, financial data, health data) is NEVER publicly displayed.

• The user may opt out of the leaderboard and withdraw consent at any time.

• If the username is changed, the leaderboard entry is updated accordingly.

11. Prizes and Promotions

The application may offer physical prizes through draw-based promotional campaigns. The following applies to all promotions:

• Cash prizes are never offered — only physical goods.

• Internal points (XP, CP, coins) cannot be redeemed for cash.

• Separate participation terms will be published for each promotion (under PR-001 Promotional Rules).

• Winners are selected by a documented, random draw.

• Participation in prize draws is NOT conditional on viewing an advertisement.

12. Intellectual Property

The Cashletics application, graphics, text, logo, and related content are the exclusive intellectual property of the Service Provider and are protected by copyright. The user receives a limited, non-transferable licence to use the application.

Prohibited: copying, modifying, reverse engineering, distributing, or commercial use of the application.

13. Limitation of Liability

The Service Provider excludes liability in the following cases:

• Damage arising from inaccurate data entered by the user

• Financial decisions made on the basis of informational reports generated by the application

• Temporary unavailability of the application (maintenance, technical issues)

• Damage arising from third-party platforms (Google Play, Apple App Store, Firebase, AdMob)

• Security incidents on the user's device or account not caused by the Service Provider

In any event, the Service Provider's liability is limited to the amount paid by the user during the relevant subscription period. For free-tier users, liability is limited to the minimum extent permitted by applicable law.

14. Modification of Terms

The Service Provider is entitled to modify these Terms unilaterally. Users will be notified of changes at least 15 days in advance by email or in-app notification. Continued use of the application after the effective date of the modification constitutes acceptance. Otherwise, the user is entitled to delete their account.

15. Dispute Resolution and Governing Law

These Terms and any disputes arising from them are governed by Hungarian law. The parties shall seek to resolve disputes amicably in the first instance. If this is unsuccessful, the competent Hungarian court has jurisdiction.

Consumer redress: users may file a complaint with the Conciliation Body competent for their place of residence, or with the Consumer Protection Authority.

In consumer disputes, users may contact the competent conciliation body or consumer protection authority of their place of residence. (The EU Online Dispute Resolution (ODR) platform was discontinued on 20 July 2025; therefore these Terms contain no ODR link.)

16. Final Provisions and Governing Language

• If any provision of these Terms is found invalid or unenforceable, this shall not affect the validity of the remaining provisions.

• These Terms are available in Hungarian (ASZF-001) and English (ASZF-001-EN). In case of any discrepancy between the two versions, the HUNGARIAN VERSION SHALL PREVAIL.

• The current version of these Terms is available at: https://cashleticsapp.com/legal.php?slug=aszf&lang=en

Publication addendum

v1.5a supplement — CP balances:

Cashletics uses two CP balances: freeCp (free earned CP) and purchasedCp (CP purchased through Google Play). Purchased CP may be used for in-app CP features, but it cannot be used to redeem prize-draw entry tickets. Entry tickets can be redeemed only from freeCp.

Next review: 5 July 2027.